Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH

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1 Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH January 1, 2016 This document provides information about the qualifications and business practices of HORAN Wealth Management. If you have any questions about the contents of this document, please contact us at The information in this document has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. HORAN Wealth Management is a registered Investment Advisor. Registration of an Investment Advisor does not imply any level of skill or training. The oral and written communications of an advisor assists you with information to evaluate, hire, or retain an Advisor. Material Changes Since our last Brochure, dated January 1, 2015 no material changes have been made other than an update to the Firm s assets under management (AUM). The AUM information has been updated to reflect values as of January 1, Currently, our Brochure may be requested, free of charge, by contacting Michael E. Tragesser, Chief Compliance Officer at or Additional information about The Firm is also available via the SEC s web site The SEC s web site also provides information about any persons affiliated with HORAN Wealth Management who are registered, or are required to be registered, as Investment Advisor Representatives of HORAN Wealth Management. i

2 Table of Contents Material Changes... Error! Bookmark not defined. Table of Contents... ii Advisory Business... 1 Fees and Compensation... 2 Performance Based Fees and Side By Side Management... 4 Types of Clients... 4 Methods of Analysis, Investment Strategies and Risk of Loss... 4 Disciplinary Information... 4 Other Financial Industry Activities and Affiliations... 5 Code of Ethics... 5 Brokerage Practices... 6 Review of Accounts... 7 Client Referrals and Other Compensation... 8 Custody... 8 Investment Discretion... 8 Voting Client Securities... 9 Financial Information... 9 ii

3 Advisory Business HORAN Wealth Management (The Firm) provides investment advisory services to individuals, and retirement plan sponsors for profit and non profit corporations. The emphasis is on long term investing, with capital appreciation being the goal in up markets and preservation of capital being the goal in down markets. Portfolio Management Services Our Firm manages investment portfolios for clients. We provide continuous advice regarding the investment of client funds based on the individual needs of the client. Through personal discussions, in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or individual investment plan and decide on a model portfolio based on that policy or plan. During our data gathering process, we determine the client s individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a client s prior investment history, as well as family composition and background. We will manage advisory accounts on a discretionary or non discretionary basis, as agreed with each client. For discretionary accounts, we will implement transactions without seeking prior client consent. However, clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. For non discretionary accounts, we will seek prior client consent for every contemplated transaction. Therefore, clients with non discretionary accounts should understand that any delay in obtaining consent may result in less favorable transaction terms, including higher security price and/or higher commissions and/or limited availability of the securities sought. Account supervision is guided by the stated objectives of the client (i.e., aggressive growth, moderate growth, balanced growth and income, or income), as well as tax considerations. The Firm is not the custodian of the client s assets. Currently, all assets under management are held at Fidelity Advisory Services (Fidelity). Fidelity is the preferred custodian of the Firm. The Firm may provide investment advice on the following types of securities: Equity Securities Warrants Corporate Debt Commercial Paper Certificates of Deposit Municipal Securities Investment Company Securities United States Government Securities Options Contracts Hedge Funds Private Equity Funds 1

4 Additional non investment related counsel may be given to clients on a limited basis in such areas as estate planning and tax assistance. Financial Planning The Firm offers financial planning services to clients or potential clients. A financial plan may or may not include a net worth statement, a cash flow analysis, a review of existing investments and/or retirement assets, investment recommendations, strategic tax planning, estate planning recommendations or education planning. A financial plan may include investment recommendations or, at a minimum, consultative advisory services on client investment decisions. Implementation of the recommendations is at the client s discretion and their responsibility unless they decide to engage the Firm for full or partial discretionary investment management and ongoing financial advice. Fees charged for financial planning and consulting services are negotiable based upon the type of client, the services requested, the investment adviser representative providing advice, the complexity of the client's situation, the composition of the client's account, other advisory services provided and the relationship of the client and the investment adviser representative. Corporate Retirement Plan Consulting The Firm offers consulting and advisory services to qualified and nonqualified retirement plans. Fees for services related to the Investment & Retirement Plan Consulting Practice range from $15,000 to $50,000 annually, based on products and services delivered, plan size, complexity, number of locations, number of employees and other mitigating circumstances. The owner of the Firm is Terence L. Horan. Mr. Horan currently owns 100% of the firm. The Firm has been in business since June 28, As of January 1, 2015 the assets under management with the Firm is detailed as follows: Type of accounts Total Assets Number of Accounts Discretionary Accounts $112,276, Non Discretionary Accounts 0 0 Total $112,276, These amounts were calculated by looking at the total number and value of single accounts as of January 1, Fees and Compensation The Firm manages client portfolios for a fee based upon the market value of the assets. Fees are computed as a percentage of the market value of the assets under management and include cash, cash equivalents or money market funds. The Firm may charge up to $500 per account as a consulting fee for clients not paying a percentage of assets. 2

5 Fees are calculated monthly based on the month end balance and charged monthly on a pro rata basis. Fees are billable in arrears. Fees are automatically deducted from accounts as we do not bill clients directly. All fee deductions will be reflected on Fidelity statements which are sent by Fidelity directly to the client quarterly if the account is a 403b account, or monthly for all other Fidelity investment accounts. Fees are subject to negotiation from time to time depending upon unique client services provided, such as group size and account size. Additional fees may be charged for work outside the normal scope of investment advisory services. If these fees are charged, they will be billed at a rate of $250/ hour. The Firm s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third party investment and other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund s prospectus. Such charges, fees and commissions are in addition to the Firm s fee, and the Firm does not receive any portion of these commissions, fees, or costs. The following fee schedules apply for the advisory services provided by the Firm. Accounts Established After July 1 st, 2012 Accounts Established Before July 1 st, 2012 Exclusive Institutional Clients (per account) Exclusive Institutional Clients (per account) Market Value of Assets Annual Fee First $1,000, % $1,000,001 to $2,000, % Greater than $2,000, % Investment Advisory (per account) Market Value of Assets Annual Fee First $1,000, % $1,000,001 to $2,000, % Greater than $2,000, % Minimum Annual Fee of $250 may apply (Negotiable) Market Value of Assets Annual Fee First $250, % $250,001 to $1,000, % $1,000,001 to $2,500, % $2,500,001 to $5,000, % Greater than $5,000, % Investment Advisory (per account) Market Value of Assets Annual Fee First $250, % $250,001 to $1,000, % $1,000,001 to $2,500, % $2,500,001 to $5,000, % Greater than $5,000, % Minimum Annual Fee of $250 may apply (Negotiable) 3

6 Alternative Retirement Plans* Market Value of Assets Annual Fee First $1,000, % Greater than $1,000,001 Negotiable *Alternative Retirement Plan management is only offered to employees of the University of Cincinnati, and not the general public. Performance Based Fees and Side By Side Management The Firm does not charge performance based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client). Types of Clients The Firm provides portfolio management services to individuals, high net worth individuals, corporate pensions, charitable organizations, 403(b) plan participants and profit sharing plans. With some exceptions, the minimum family relationship size the Firm accepts is $100,000. Some circumstances will allow for this investment minimum to be waived or reduced, and will be addressed on a case by case basis. Methods of Analysis, Investment Strategies and Risk of Loss The Firm s investment philosophy revolves around Modern Portfolio Theory ( MPT ). The essence of MPT is to maximize a portfolio s expected return given a level of risk. This outcome is achieved through diversification, investing in asset classes and having a long term investment time horizon (generally a minimum of three years). The Firm designs model portfolios based on these assumptions. Currently the Firm offers four core model portfolios with slightly altered versions used for taxable accounts and small balance accounts. The Firm has partnered with Capital Market Consultants (CMC) in designing its model portfolios. CMC provides the Firm with market research and asset allocation recommendations. The Firm may or may not follow these recommendations. CMC typically uses mutual funds, exchange traded funds ( ETFs ), closed end funds, and other investments to formulate the four types of model portfolios, which are then reviewed and decided on by the Firm s Investment Committee. The Firm s Investment Committee generally meets weekly to coordinate and oversee the firm s investment policy and strategies. Risk of Loss While the Firm seeks to diversify clients investment portfolios across various asset classes consistent with their Investment Plans in an effort to reduce risk of loss, all investment portfolios are subject to risks. Accordingly, there can be no assurance that client investment portfolios will be able to fully meet their investment objectives and goals, or that investments will not lose money. 4

7 Disciplinary Information Registered Investment Advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of the Firm or the integrity of the Firm. The Firm has no information to report at this time. Other Financial Industry Activities and Affiliations Other Business Activities The Firm, through its broker/dealer, is in the business of selling variable annuities, mutual funds and variable life insurance for a commission. The Firm has executed, through its broker/dealer, which is separate and distinct from the Investment Advisor, selling agreements with various mutual fund companies and insurance companies, under which we may be paid for products sold. The payments are set by the various providers of investment products. For assets held in an advisory account, the Firm and its Advisor only receive advisory fees as compensation and do not receive 12b 1 fees, transaction based compensation, finder's fees or other revenue directly from the assets held in the account. Transactions in advisory accounts are not placed through the Firm s broker/dealer. Other Financial Industry Activities or Affiliations The President of the Firm is also the President of Horan Associates, Inc. an insurance brokerage firm offering life, health, disability, dental, vision and misc. non variable products. He devotes approximately 50% of his time to each corporation. Some of the other agents of the Firm also sell non variable products, devoting a minimal percentage of their time to this. All agents of both corporations are appropriately licensed for the types of products they sell, as are accounting, marketing and administrative staff. Client referrals among the different departments and lines of coverage are integral to the business. The President of the Firm is also an Investment Advisor Representative and President of Horan Capital Advisors, LLC. Horan Capital Advisors, LLC is an SEC Registered Investment Advisory Firm. He devotes less than 5% percent of his time to this business. Code of Ethics The Firm has adopted a Code of Ethics (COE) for all supervised persons of the Firm describing its high standard of business conduct, and fiduciary duty to its clients. The COE includes provisions relating to the confidentiality of client information, a prohibition on insider trading, a prohibition of rumor mongering, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. All covered persons of the Firm must acknowledge the terms of the COE annually, or as amended. The Firm anticipates that, in appropriate circumstances, consistent with clients investment objectives, it 5

8 will cause accounts over which the Firm has management authority to effect, and will recommend to investment advisory clients or prospective clients, the purchase or sale of securities in which employees of the Firm, its affiliates and/or clients, directly or indirectly, have a position of interest. The Firm s employees and persons associated with the Firm are required to follow the Firm s COE. Subject to satisfying this policy and applicable laws, officers, directors and employees of the Firm and its affiliates may trade for their own accounts in securities which are recommended to and/or purchased for the Firm s clients. The COE is designed to assure that the personal securities transactions, activities and interests of the employees of the Firm will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Under the COE certain classes of securities have been designated as exempt transactions, based upon a determination that these would materially not interfere with the best interest of the Firm s clients. In addition, the COE requires pre clearance of certain transactions, and restricts trading in close proximity to client trading activity. Nonetheless, because the Code of Ethics in some circumstances would permit employees to invest in the same securities as clients, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. Employee trading is continually monitored under the COE to reasonably prevent conflicts of interest between the Firm and its clients. It is the Firm s policy that the Firm will not affect any principal or agency cross securities transactions for client accounts. The Firm will also not cross trades between client accounts. Principal transactions are generally defined as transactions where an adviser, acting as principal for its own account or the account of an affiliated broker dealer, buys from or sells any security to any advisory client. A principal transaction may also be deemed to have occurred if a security is crossed between an affiliated hedge fund and another client account. An agency cross transaction is defined as a transaction where a person acts as an investment adviser in relation to a transaction in which the investment adviser, or any person controlled by or under common control with the investment adviser, acts as broker for both the advisory client and for another person on the other side of the transaction. Agency cross transactions may arise where an adviser is dually registered as a broker dealer or has an affiliated broker dealer. The Firm s clients or prospective clients may request a copy of the firm's COE by contacting the Chief Compliance Officer, Michael Tragesser. Brokerage Practices Client assets must be maintained in an account at a qualified custodian, generally a broker/dealer or bank. In general, the Firm will only work with clients that establish a brokerage account(s) with Fidelity Advisory Services a division of Fidelity Investments, LLC a FINRA registered broker dealer, member SIPC, to maintain custody of clients assets and to effect trades for their accounts. Although The Firm recommends that clients establish accounts at Fidelity, it is the client s decision to custody assets with Fidelity. The Firm is independently owned and operated and not affiliated with Fidelity. Choosing to custody your assets with a custodian other than Fidelity, should the Firm agree to such a situation, may cost you additional money as the Firm may not be able to achieve the most favorable execution for your account transactions. 6

9 How We Select Brokers/Custodians We seek to recommend a custodian who will hold your assets and execute transactions on terms that are, overall, most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others: The combination of transaction execution services and asset custody services (generally without a separate fee for custody) The capability to execute, clear, and settle trades (buy and sell securities for your account) The capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) Breadth of available investment products (stocks, bonds, mutual funds, exchange traded funds [ETFs], etc.) Block Trades The Firm may, where possible, combine client transactions for the purchase or sale of the same security. Such aggregation may enable the Firm to obtain, for clients, a more favorable price or a better commission rate based upon the volume of a particular transaction. In cases where trading or investment restrictions are placed on a client's account, the Firm may be precluded from combining that client's transaction with others. In such a case, the client may pay a higher commission rate and/or receive less favorable prices than clients who are able to participate in a combined order. When a combined order is completely filled, The Firm allocates the securities purchased or proceeds of sale pro rata among the participating accounts, based on the purchase or sale order. Adjustments or changes may be made under certain circumstances, such as to avoid odd lots or small allocations. If the order at a particular broker is filled at several different prices, through multiple trades, generally all such participating accounts will receive the average price and pay the average commission, subject to odd lots, rounding, and market practice. If a combined order is only partially filled, the Firm procedures provide that the securities or proceeds are to be allocated in a manner deemed fair and equitable to clients. Depending on the investment strategy pursued and the type of security, this may result in a pro rata allocation to all participating clients. Soft dollar benefits are not currently used by the Firm. If this situation changes, we will highlight this change in a future ADV Part 2 updates. Review of Accounts Accounts for individuals are reviewed on a regular basis by the advisor assigned to your account. Accounts are reviewed quarterly with at least one contact offered annually. Some of these will be in person, while others may be over the phone. The contact will be conducted in the manner of preference of the client. Frequency of the reviews may be modified based on the goals, risk tolerance, and/or pending lifestyle changes of the client. The custodian of the accounts, Fidelity, will send regular statements to the client. This delivery may be accomplished either via paper or online. The decision of delivery method is determined by the client. 7

10 Accounts for corporate clients will be reviewed on an annual basis with semi annual communication available per the client s request. Any reports produced by the Firm are for reference purposes and any discrepancy between them and the statements provided by the custodian should defer to the actual account statement. Client Referrals and Other Compensation Currently The Firm does not compensate individuals outside of our organization for client referrals. If this situation changes, we will highlight this change in a future ADV Part 2 update. Custody The Firm does not hold itself out as having custody over client funds and securities except for the following exceptions: Direct debiting of fees from client accounts The Firm does not take physical custody of client accounts at any time. Client funds and/or securities will be held with a bank, broker dealer, or other independent, qualified custodian. Custody of client account assets is, currently, held exclusively at Fidelity. The custodian will directly debit client accounts for the payment of our advisory fees. This ability to deduct our advisory fees from client accounts causes our firm to exercise limited custody over client funds or securities. Clients should receive at least quarterly statements from the broker dealer, bank or other qualified custodian that holds and maintains client s investment assets. The Firm urges clients to carefully review such statements and compare such official custodial records to the account statements that the Firm may provide. Fidelity statements should be delivered by National Financial Services LLC (Fidelity Investments, LLC). Investment Discretion The Firm usually receives discretionary authority from the client at the outset of an advisory relationship to select the identity and amount of securities to be bought or sold. In all cases, however, such discretion is to be exercised in a manner consistent with the stated investment objectives for the particular client account. When selecting securities and determining amounts, the Firm observes the investment policies, limitations and restrictions of the clients for which it advises. For registered investment companies, the Firm s authority to trade securities may also be limited by certain federal securities and tax laws that require diversification of investments and favor the holding of investments once made. Investment guidelines and restrictions must be provided to the Firm in writing. 8

11 Voting Client Securities As a matter of Firm policy and practice, the Firm does not have, nor will it accept, authority to and does not vote proxies on behalf of advisory clients. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. The Firm may provide advice to clients regarding the clients voting of proxies, if asked to do so. Financial Information Registered Investment Advisors are required to provide clients with certain financial information or disclosures about the Firm. The Firm has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients, and has not been the subject of a bankruptcy proceeding. Under no circumstances will we earn fees in excess of $1,200 for a period of more than six months in advance of services rendered. Investment Advisor Representative Information Terence Lee Horan YOB: 1951 Education: Graduate Fairfield University, Fairfield, CT 1973 Bachelor of Arts in Political Science Business: 12/96 to Present Horan Securities, Inc. President, Principal, Registered Representative 03/81 to Present Horan Associates, Inc. President, Insurance Brokerage for Life, and Health Geoff Solomon YOB: 1958 Education: Xavier University BS/BA Accounting University of Cincinnati MBA Finance Business: 03/2001 to Present Horan Securities, Inc. Cincinnati OH Registered Representative Certified Financial Planner (CFP) Timothy G. Powell YOB: 1966 Education: Cleveland Institute of Fine Arts, Bachelor of Fine Arts Xavier University Consulting Group, Executive Certificate in Financial 9

12 Planning (CFP) Business: 12/1997 to Present Horan Securities, Inc. Cincinnati, OH Vice President, Registered Representative Certified Financial Planner (CFP) Karl R. Diebold YOB: 1970 Education: Northern Kentucky University Xavier University, MBA Business: 08/2007 to Present Horan Securities, Inc. Cincinnati, OH 10/1995 to 08/2007 Fidelity Investments, Covington, KY Registered Representative David M. Lohre II YOB: 1969 Education: University of Kentucky, Lexington, KY Business: 2007 to Present Horan Securities, Inc to 2008 Fidelity Investments Christopher G. Cook YOB: 1986 Education: Xavier University, Cincinnati, OH B.S.B.A. Economics Michael D. Napier YOB: 1977 Education: Xavier University, Cincinnati, OH BSBA (Bachelors of Science in Business Administration) in Finance Business: 2010 to Present Horan Securities, Inc to 2010 Wealth Planning Corporation Berno Financial Management, Inc. 10

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